1. We will provide an initial consultations to best determine your needs, goals, and expectations.

2. We will provide a free, no-obligation pre-qualification meeting with you to find out now exactly how much you qualify to borrow.

3. We'll search the Klamath County Association of Realtors Multiple Listing Computers for all homes listed by all real estate companies to make sure you know about every home or building site for sale in your price range. If you want to build a new home, we'll find the builder who will build you the most house for the best price.

4. We will email or fax our home findings to you on a schedule you decide on:

Monthly     2x a Month    Weekly       2x a Week       Daily

5. We'll arrange private showings for any and all homes you wish to see or arrange meetings for you with the best home builders in the area.

6. We will help you with the negotiation and purchase of any

"For-Sale-By-Owner" home.

7. When you find the right home or builder, we'll assist you with preparing an offer that is in your best interests.

8. We'll discuss strategy about the offer price, home loan terms, interest rates, possession date.

9. We'll recommend the best services: structural inspections, termite inspection, survey, appraisal, home warranty, title insurance.

10. We'll obtain answers to any and all questions you may have.

11. We'll present the offer on your behalf to the seller, the builder, the For Sale By Owner or the seller's agent. We'll negotiate in your best interest at all times to get you the best deal possible.

12. We'll help you find the best possible home loan.

13. We'll do our very best to ensure you receive exceptional service from everyone involved with your home loan.

You agree to:

1. To attend our initial consultation to understand how we do business and our team concept and what we expect from you.

2. If your pre-qualification meeting goes well, Immediately bring in the requested documentation and information to us. We are unable to show property to you until you are approved for a loan. This approval allows us to make lower than list price offers that actually get accepted. Check out our $1,179 Savings Guarantee which guarantees us to save you that much on your home purchase (some conditions apply).

3. Notify Teresa Snyder at Town & Country Realty of any listed homes you wish to inspect or builders you wish to interview.

4. Inform builders, For Sale By Owners, Lenders and real estate agents that "we are working with Teresa Snyder at Town & Country Realty."

5. Make any offer on any home or new construction job through Teresa Snyder at Town & Country Realty.

6. You are under no obligation to buy or build a home.

7. For all these services, you owe us nothing. Your fee will be paid by the builder or seller on any home that you purchase or build. All we would like to have earned is your loyalty and honesty at all times.

8. We do ask that you pay a retainer fee of $100 and if you buy a home through us that will be transferred to closing and applied to your down payment funds. These funds will be held in our Clients Trust Account and transferred to the Title Company at closing- no interest is generated on this account. We will ask for a check to pay for the Appraisal on your new home before it is ordered- Our appraiser gives a two day turn around for she knows she will be paid for her time and expertise. This is almost unheard of in the industry.

9. If you do purchase a home through us, you will allow us to put up our professional yard sign with a sign rider saying "Please welcome your new Neighbors".

10. Listen very carefully when another Lender or Real Estate Agent tries to win your business and make sure you use the list of Questions to ask either when this occurs.

11. If you buy a home from another real estate firm, For Sale By Owner or builder without using Town & Country Realty, then you agree to pay Teresa N. Snyder and Town & Country Realty a fee of $750 for the time, effort and services expended by them on your behalf. Your Retainer Fee will be credited to this balance.

12. This agreement expires one year from today's date.

Buyer: _____________________________ Date: ___________

Buyer: _____________________________ Date: ___________

Agent: ____________________________ Date: ___________

Check out our Borrower Agreement Guarantee